DCU Refi Lowest Credit Score Approval

[torebuild2014]

Would like to refinance current Auto Loan with DCU. Just wanted to see what some of the lower credit scores and interest rates they have approved. Any feedback is appreciated. Don't won't to take an inquiry if no real chance of approval. I understand YMMV...

Thanks

[juggalo9er]

offered 4.24% @ a 681 credit score

[09Lexie]

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@torebuild2014 wrote:

Would like to refinance current Auto Loan with DCU. Just wanted to see what some of the lower credit scores and interest rates they have approved. Any feedback is appreciated. Don't won't to take an inquiry if no real chance of approval. I understand YMMV...

Thanks

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I believe the lowest is 620.  Keep in mind, you'll need to become a member which requires an additional hp. 

[waterpistol]

I recently Refi'd with DCU.  643 EQ score, 4.49% apr 72 months

[Ragelog]

Assuming everything is done. I signed the contract online and prior to that provided all my paperwork etc. I have a 1.49/1.99% approval for 48 months on a 17641 loan. My current EQ Fico score is 645. I signed the contract today applied and sent all paperwork(copy of 10 day payoff,copy of registration, car insurance, drivers license, 2 paystubs)/created my savings membership yesterday.

[Anonymous]

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@Ragelog wrote:

Assuming everything is done. I signed the contract online and prior to that provided all my paperwork etc. I have a 1.49/1.99% approval for 48 months on a 17641 loan. My current EQ Fico score is 645. I signed the contract today applied and sent all paperwork(copy of 10 day payoff,copy of registration, car insurance, drivers license, 2 paystubs)/created my savings membership yesterday.

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Wow! That's great for your score. Gives me hope for myself haha. I'm looking to buy a car in 2-3 months and I am currently researching where to get my financing from. Awesome.

[Ragelog]

Both inquiries hit my Equifax today.

I have been so used to not getting good credit deals even when I received the paperwork  to sign and got confirmation I was still skeptical. I have been told all thats next is they send the check and get the title and it's done. I am going from a 72 month 17.25% loan which I paid on for 11 payments so had 61 remaining to the 48 month 1.49% term with DCU. I will pay it off 13 months earlier paying $50 less per month during that period. Can't complain at all.